From Rip Emerson of TechCrunch:

“Technology is in the process of bringing change to every piece of the health industry — wellness, fitness, healthcare, medicine — you name it. And as it always seems with introduction of new technologies, it’s awe-inspiring how quickly they can transform entire industries yet, at the same time, make us realize just how far we have to go (or how far behind we really are). The health industry has been touched (and defined) by cutting-edge technology for years, yet its relics, legacy infrastructure, paper-pushing, and archaic procedures are as obvious today as ever before.

Nonetheless, today, we really seem to be at an inflection point. (Or do we hear that every year?) The current landscape is full of inspiring examples of how technology is changing the most fundamental aspects of how we keep track of our own health, how we approach diagnostics, treatment, and more. Earlier this month, Josh laid out six trends in healthtech that could have a big impact on medicine in 2012, and last week veteran Silicon Valley investor Vinod Khosla wrote an epic analysis of the significant role “Doctor Algorithm” could play in changing the literal and metaphorical face of healthcare. It’s pretty exciting, if not a little frightening….”

Read the rest of the Article Here

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Booking Site For Health Professionals ZocDoc

On January 11, 2012, in Insurance, by Radius

From Leena Rao at TechCrunch

“Booking platform for healthcare professionals ZocDoc has named former U.S. Senators Tom Daschle and Dr. Bill Frist to its advisory board.

ZocDoc, which launched at TechCrunch in 2007,automates a task that can be incredibly frustrating and time-consuming for consumers. ZocDoc allows users to book their doctor appointments online, even for same-day appointments.

Patients can see real-time availability of doctors in their area, confirm who accepts their insurance plan and read feedback and reviews of doctors from other patients.allows consumers to find and book appointments with doctors, dentists and other health professionals online. And the service is free for patients.

On the health care side of things, ZocDoc integrates with doctors’ calendars in real-time and helps taps into the hidden supply of medical providers’ availabilities, such as the 10 to 20 percent of medical appointments that are cancelled or rescheduled at the last-minute. Doctors pay $250 per month for ZocDoc.”

Read the rest of the Article Here

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New Year, New Features

On January 5, 2012, in Insurance, by Radius

With the start of 2012 we wanted to post a number of New Features we are working on that we’ll start to roll out next week:

Client Summary Page – Next week Radius Users will be able to offer a new Value Add to their clients when using Radius Lead Management + CRM. From the ‘Client View’ page, click on the ‘Client Access’ button and Radius will automatically create a ‘Client Summary Page’ which is only accessible via a Password protected login. Clients can access file the Agent of Record has Uploaded or click on links that the agent has added that the client may find valuable. Also listed will be their Carrier, Plan Name, Effective Date, Renewal Date and Policy Number.

Custom Reports – In February Radius Users will be able to build ‘Custom Reports’ under the Reports section from all of the data within their Radius Account. Need to know how many Leads are in ‘Lost’ Status so you can create a Responder Non Buyer call campaign, build the Custom Report.

Multiple Products – A long over due feature, Radius Users will be able to add multiple products within Radius to a single Lead or Client.

Lead Vendor Integration – Currently we are working on integration with Quote Wizard to automatically import leads from them. This feature will be released mid January.

Radius API – While we launched our API last December, the Radius API will allow for even further Third Party Application integrations.

User Interface – Additional User Experience enhancements including ‘Tab Browsing’ on Lead and Client View pages (similar to the Agent Recruitment Module) which allows for quicker access to data).

Dialer Integration – Using our API, we are looking into integrating with a dialer. More to come…

More features are in the pipeline, but we’ll update this post some time next week. Need a teaser for everyone to come back to the blog…

Happy New Year!

 

One of the best lines in Television Commercial History…Also one of the best campaigns in tv history.

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From TechCrunch’s Rip Emerson:

“The latest healthtech research shows that the forecast is looking good for mobile health solutions, especially for those companies buying into mobile apps. ABI Research recently released a report which predicts that the sports and health mobile app market is on pace to hit $400 million in revenues by 2016. That’s up from $120 million in 2010, meaning the market could quadruple over the next four years.

ABI’s report projects that the majority of that $400 million will come from sports, fitness, and wellness apps, which have begun to see heavy adoption over the least year. The increase of available health data and the growing adoption of health-related apps is owed largely to the development of increasingly wearable, portable, and non-invasive devices and their sensors that can effectively measure and transmit biometric data.”

Full Article Here

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From our Friends over at TechCrunch:

HMS Buys Healthcare Services Company HealthDataInsights For $400 Million

“HMS Holdings has acquired technology-driven healthcare services company HealthDataInsights (HDI) for approximately $400 million.

According to the press release, the transaction is not contingent upon financing and is expected to close by year’s end, pending regulatory approvals.

HealthDataInsights investor GRP Partners owned a 30 percent stake in the company, blogs partner Mark Suster, who shares more details.

The $400 million HMS is paying for HealthDataInsights will consist of $384 million in cash, paid at closing, and approximately $16 million in consideration in the form of assumption of unvested options.

HDI’s technology ensures claims integrity and is capable of identifying – and recouping – improper payments for health plans and government payers. The company says it has reviewed more than $300 billion in paid claims in 2010 alone.

HDI is the exclusive Medicare Recovery Audit Contractor (RAC) in 17 states and three United States territories (CMS Region D), covering approximately 22 percent of all Medicare claims in the nation.

HDI is projected to contribute approximately $85 million of revenue to HMS in 2012. The company will become a wholly-owned HMS subsidiary and HDI founder and CEO Andrea Benko will join the HMS executive team.

HealthDataInsights employs approximately 400 people located in Las Vegas, Nevada, and facilities in California and Florida.”

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From our friends at VegasInc.com

“Las Vegas is a city known for naughtiness, where showgirls walk around in lingerie and the company of women is advertised on handbills.

But even in this climate, a number of grocery stores have kept pints of a certain ice cream off their shelves for fear they may upset customers. The flavor in question: Ben & Jerry’s Schweddy Balls.

“While we do carry many of Ben & Jerry’s varieties, that one we decided to keep out of our mix,” Smith’s spokeswoman Marsha Gifford said. “It has been a decision for Kroger stores across the country. The company felt that from our customers’ perspective, it may be offensive.”

A Mississippi mothers’ group started an action campaign against the ice cream flavor when it was released, calling it “vulgar” and inappropriate for children. Organizers urged members to complain to Ben & Jerry’s about its choice of name and lobby grocery stores to keep the treat out of their freezers…” – entire article here

 

A little Refresher Course on the Saturday Night Live Skit as well

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Lead Temperature Automation & Status Types

On October 21, 2011, in Radius, by Radius

Today we are excited to announce a few new feature updates to Radius Lead Management + CRM Solution for Insurance Agents and Agencies, Lead Temperature Automation and Lead & Client Status Controls. A number of our Agents and Agencies asked and we listened when it came to giving them more configuration options to set up their Radius Account specific to their Agency needs. These two enhancements are the first in line of a list of items we are going to build out to put even more control over Account users to set up their Radius account as they see fit.

Lead Temperature Auotmation
Previously in Radius when a Lead was added, the temperature could be assigned manually (Hot, Warm, Cool or Cold). While defining Leads with a temperature is very handy when identifying the urgency at which a Lead needs to be worked, having to manually change it from Hot to Warm, Warm, to Cool and Cool to Cold can be time consuming. And we have always said that Radius should be where you spend your least amount of time on a daily basis, you need to be out there writing business, not wasting time in your CRM. Now Radius gives Agents the ability to set up Lead Temperature to change Automatically based upon their specific needs. If you consider a lead only ‘Hot’ for 7 Days, then underneath the Settings tab, configure away.

Example:
Hot = 7 Days
Warm = 14 Days
Cool = 30 Days
Cold = All Others
Lead Temperature Automation

 

 

 

 

 

 

 

 

 

 

Lead & Client Status Types
With the Lead Temp Automation, we worked on rolling out Status Types for Leads & Clients that can be fully customized by the Agent for their specific Radius Account. While we built in Default Values, we suggest that you customize your Status Types based upon your specific business needs. Create Status Types such as ‘New, Contacted, Being Worked, Emailed, Called, Left Voicemail,’ for your Leads while creating status types for your Clients of ‘In-Force, Contracted, Application Submitted, Underwriting’. Status Types are displayed in multiple areas within Radius and can be sorted and searched by as well.
Lead & Client Status Type

 

 

 

 

 

 

 

 

 

We know you will enjoy these updates as we have been using them in our own Radius account over the past few days and have found it them very valuable from a user experience.

By the way, did we mention that you can Send Email Campaigns, Drip Marketing Emails and Autoresponders by Status Type? Nice!

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While Square has been around for almost two years, we did run into an Insurance Agent whom was using it to accept payments from his client base. We thought this was a great usage of his time to in the end make money and save money. But let’s first start with Square and why you as an Agent or Agency may want to take a long hard look at implementing Square into business.

Square was found Jack Dorsey whom just happen to be one of the founders in Twitter (dude knows his tech). Square allows small businesses to accept Credit Card Payment via their Moblie Phones at a single transaction fee of 2.75%. Depending on the line of business your write, Square may be of no use to you, but for those whom generally write Property & Causalty, there are some instances where you take payments from Clients. And for those whom accept credits, you know the hassle at which it is to go about setting up a Merchant Account, Payment Gateway (Online), Business Bank Account that accepts Credit Card payments, which none of these you have to experience when using Square. At a minimum, visit the Square website to see if this technology can help your Agency business, at a maximum, if you have been looking for a way to jump into accepting credit cards, Square is the way to dip your toe in the water.

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This is a prepared text of the Commencement address delivered by Steve Jobs, CEO of Apple Computer and of Pixar Animation Studios, on June 12, 2005.

I am honored to be with you today at your commencement from one of the finest universities in the world. I never graduated from college. Truth be told, this is the closest I’ve ever gotten to a college graduation. Today I want to tell you three stories from my life. That’s it. No big deal. Just three stories.

The first story is about connecting the dots.

I dropped out of Reed College after the first 6 months, but then stayed around as a drop-in for another 18 months or so before I really quit. So why did I drop out?

It started before I was born. My biological mother was a young, unwed college graduate student, and she decided to put me up for adoption. She felt very strongly that I should be adopted by college graduates, so everything was all set for me to be adopted at birth by a lawyer and his wife. Except that when I popped out they decided at the last minute that they really wanted a girl. So my parents, who were on a waiting list, got a call in the middle of the night asking: “We have an unexpected baby boy; do you want him?” They said: “Of course.” My biological mother later found out that my mother had never graduated from college and that my father had never graduated from high school. She refused to sign the final adoption papers. She only relented a few months later when my parents promised that I would someday go to college.

And 17 years later I did go to college. But I naively chose a college that was almost as expensive as Stanford, and all of my working-class parents’ savings were being spent on my college tuition. After six months, I couldn’t see the value in it. I had no idea what I wanted to do with my life and no idea how college was going to help me figure it out. And here I was spending all of the money my parents had saved their entire life. So I decided to drop out and trust that it would all work out OK. It was pretty scary at the time, but looking back it was one of the best decisions I ever made. The minute I dropped out I could stop taking the required classes that didn’t interest me, and begin dropping in on the ones that looked interesting.

It wasn’t all romantic. I didn’t have a dorm room, so I slept on the floor in friends’ rooms, I returned coke bottles for the 5¢ deposits to buy food with, and I would walk the 7 miles across town every Sunday night to get one good meal a week at the Hare Krishna temple. I loved it. And much of what I stumbled into by following my curiosity and intuition turned out to be priceless later on. Let me give you one example:

Reed College at that time offered perhaps the best calligraphy instruction in the country. Throughout the campus every poster, every label on every drawer, was beautifully hand calligraphed. Because I had dropped out and didn’t have to take the normal classes, I decided to take a calligraphy class to learn how to do this. I learned about serif and san serif typefaces, about varying the amount of space between different letter combinations, about what makes great typography great. It was beautiful, historical, artistically subtle in a way that science can’t capture, and I found it fascinating.

None of this had even a hope of any practical application in my life. But ten years later, when we were designing the first Macintosh computer, it all came back to me. And we designed it all into the Mac. It was the first computer with beautiful typography. If I had never dropped in on that single course in college, the Mac would have never had multiple typefaces or proportionally spaced fonts. And since Windows just copied the Mac, it’s likely that no personal computer would have them. If I had never dropped out, I would have never dropped in on this calligraphy class, and personal computers might not have the wonderful typography that they do. Of course it was impossible to connect the dots looking forward when I was in college. But it was very, very clear looking backwards ten years later.

Again, you can’t connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something — your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life.

My second story is about love and loss.

I was lucky — I found what I loved to do early in life. Woz and I started Apple in my parents garage when I was 20. We worked hard, and in 10 years Apple had grown from just the two of us in a garage into a $2 billion company with over 4000 employees. We had just released our finest creation — the Macintosh — a year earlier, and I had just turned 30. And then I got fired. How can you get fired from a company you started? Well, as Apple grew we hired someone who I thought was very talented to run the company with me, and for the first year or so things went well. But then our visions of the future began to diverge and eventually we had a falling out. When we did, our Board of Directors sided with him. So at 30 I was out. And very publicly out. What had been the focus of my entire adult life was gone, and it was devastating.

I really didn’t know what to do for a few months. I felt that I had let the previous generation of entrepreneurs down – that I had dropped the baton as it was being passed to me. I met with David Packard and Bob Noyce and tried to apologize for screwing up so badly. I was a very public failure, and I even thought about running away from the valley. But something slowly began to dawn on me — I still loved what I did. The turn of events at Apple had not changed that one bit. I had been rejected, but I was still in love. And so I decided to start over.

I didn’t see it then, but it turned out that getting fired from Apple was the best thing that could have ever happened to me. The heaviness of being successful was replaced by the lightness of being a beginner again, less sure about everything. It freed me to enter one of the most creative periods of my life.

During the next five years, I started a company named NeXT, another company named Pixar, and fell in love with an amazing woman who would become my wife. Pixar went on to create the worlds first computer animated feature film, Toy Story, and is now the most successful animation studio in the world. In a remarkable turn of events, Apple bought NeXT, I returned to Apple, and the technology we developed at NeXT is at the heart of Apple’s current renaissance. And Laurene and I have a wonderful family together.

I’m pretty sure none of this would have happened if I hadn’t been fired from Apple. It was awful tasting medicine, but I guess the patient needed it. Sometimes life hits you in the head with a brick. Don’t lose faith. I’m convinced that the only thing that kept me going was that I loved what I did. You’ve got to find what you love. And that is as true for your work as it is for your lovers. Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven’t found it yet, keep looking. Don’t settle. As with all matters of the heart, you’ll know when you find it. And, like any great relationship, it just gets better and better as the years roll on. So keep looking until you find it. Don’t settle.

My third story is about death.

When I was 17, I read a quote that went something like: “If you live each day as if it was your last, someday you’ll most certainly be right.” It made an impression on me, and since then, for the past 33 years, I have looked in the mirror every morning and asked myself: “If today were the last day of my life, would I want to do what I am about to do today?” And whenever the answer has been “No” for too many days in a row, I know I need to change something.

Remembering that I’ll be dead soon is the most important tool I’ve ever encountered to help me make the big choices in life. Because almost everything — all external expectations, all pride, all fear of embarrassment or failure – these things just fall away in the face of death, leaving only what is truly important. Remembering that you are going to die is the best way I know to avoid the trap of thinking you have something to lose. You are already naked. There is no reason not to follow your heart.

About a year ago I was diagnosed with cancer. I had a scan at 7:30 in the morning, and it clearly showed a tumor on my pancreas. I didn’t even know what a pancreas was. The doctors told me this was almost certainly a type of cancer that is incurable, and that I should expect to live no longer than three to six months. My doctor advised me to go home and get my affairs in order, which is doctor’s code for prepare to die. It means to try to tell your kids everything you thought you’d have the next 10 years to tell them in just a few months. It means to make sure everything is buttoned up so that it will be as easy as possible for your family. It means to say your goodbyes.

I lived with that diagnosis all day. Later that evening I had a biopsy, where they stuck an endoscope down my throat, through my stomach and into my intestines, put a needle into my pancreas and got a few cells from the tumor. I was sedated, but my wife, who was there, told me that when they viewed the cells under a microscope the doctors started crying because it turned out to be a very rare form of pancreatic cancer that is curable with surgery. I had the surgery and I’m fine now.

This was the closest I’ve been to facing death, and I hope it’s the closest I get for a few more decades. Having lived through it, I can now say this to you with a bit more certainty than when death was a useful but purely intellectual concept:

No one wants to die. Even people who want to go to heaven don’t want to die to get there. And yet death is the destination we all share. No one has ever escaped it. And that is as it should be, because Death is very likely the single best invention of Life. It is Life’s change agent. It clears out the old to make way for the new. Right now the new is you, but someday not too long from now, you will gradually become the old and be cleared away. Sorry to be so dramatic, but it is quite true.

Your time is limited, so don’t waste it living someone else’s life. Don’t be trapped by dogma — which is living with the results of other people’s thinking. Don’t let the noise of others’ opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.

When I was young, there was an amazing publication called The Whole Earth Catalog, which was one of the bibles of my generation. It was created by a fellow named Stewart Brand not far from here in Menlo Park, and he brought it to life with his poetic touch. This was in the late 1960′s, before personal computers and desktop publishing, so it was all made with typewriters, scissors, and polaroid cameras. It was sort of like Google in paperback form, 35 years before Google came along: it was idealistic, and overflowing with neat tools and great notions.

Stewart and his team put out several issues of The Whole Earth Catalog, and then when it had run its course, they put out a final issue. It was the mid-1970s, and I was your age. On the back cover of their final issue was a photograph of an early morning country road, the kind you might find yourself hitchhiking on if you were so adventurous. Beneath it were the words: “Stay Hungry. Stay Foolish.” It was their farewell message as they signed off. Stay Hungry. Stay Foolish. And I have always wished that for myself. And now, as you graduate to begin anew, I wish that for you.

Stay Hungry. Stay Foolish.

Thank you all very much.

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